We analyzed every closed loan from Eastman Credit Union — 1.7k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Strong
4/5
Near-National · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Eastman Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+47.0 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,648 loans · 0.48% above market
Exceptional
Top 20% of lenders
5/5
Jumbo
53 loans · 0.16% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,441 loans · 0.45% above market
Exceptional
Top 20% of lenders
5/5
Refinance
269 loans · 0.55% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 8 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,648 | 96.4% | +0.484%Above | $1,574Fees | ||||
Jumbo Loans | 53 | 3.1% | -0.162%Below | $4,036Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,648
Mix96.4%
Spread
+0.484%Above
Fees
$1,574Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume53
Mix3.1%
Spread
-0.162%Below
Fees
$4,036Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,441 | 84.3% | +0.452%Above | $1,723Fees | ||||
Refinance | 269 | 15.7% | +0.554%Above | $1,205Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,441
Mix84.3%
Spread
+0.452%Above
Fees
$1,723Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume269
Mix15.7%
Spread
+0.554%Above
Fees
$1,205Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,710
Applications
2,472
Volume
$469 million
Pricing & Closing
Avg Rate Spread
+0.470%
vs. market APOR
Avg Net Fees
$1,627
Origination − Credits
Pullthrough Rate
69.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$274,632
Avg Borrower Income
$135,759
Avg Property Value
$356,719
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
26
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
26Full-year 2024 · HMDALoans originated
< 1010–2020–5050–200200+None
Northeast2
MEPA
Midwest6
ILINMIMNMOOH
South12
ALARFLGAKYNCOKSCTNTXVAWV
West6
AZCACONMNVUT
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.